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John Ugah, Bassey Ina Ibor , Fidelis Anake Atseye,

CAMEL RATING MODEL: AN EFFECTIVE PARAMETER FOR PREDICTING BANK DISTRESS IN NIGERIA

The paper tested the efficacy of the use of the CAMEL Rating Model to predict bank distress in Nigeria during the period 2009-2018. Data for the study......

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Fidelis Anake Atseye, Micheal Ujor Mgbado, Cyprine Bessong Etap, John Ugah,

INSECURITY AND DOMESTIC INVESTMENT IN NIGERIA

The paper sought empirically to answer the question, of whether insecurity significantly affects the value of domestic investment in Nigeria during t......

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Hodo B. Riman, Edwin Okon,

FINANCIAL STRUCTURE AND DYNAMIC INEQUALITY IN WAMZ COUNTRIES: AN EMPIRICAL ASSESSMENT USING THE P-VAR MODEL

Dynamic inequality has been recognized as a significant barrier to the growth of developing countries, particularly in Africa. The disparities in econ......

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Joy Akpan, Joseph Anyadighibe, Joshua Kajang,

FACTORS AFFECTING UPPER-CLASS CONSUMER BUYING BEHAVIOUR OF MADE IN NIGERIA FASHION OUTFITS

This study investigates the effect of creativity, styles and quality materials, on the upper-class buying behaviour of made in Nigeria fashion outfits......

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Anthony Ogar, Godwin Bassey James,

BANK VERIFICATION NUMBER (BVN) AND FRAUD MANAGEMENT CASES IN THE NIGERIAN BANKING SECTOR

The study looks into how Nigerian fraud management is affected by Bank Verification Numbers (BVN). 152 respondents were chosen for the survey research......

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Tarila Boloupremo, Ayekurobotaregha Eddy Umbe,

AN EXAMINATION OF THE NEXUS BETWEEN PRIVATE SAVINGS AND ECONOMIC DEVELOPMENT

The study aims to investigate the private savings and economic development nexus in Nigeria. The methodology is based on econometric analysis to estim......

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John Ugah, Ameh Isiaka, Victoria Moses,

EXCHANGE RATE AND FOREIGN DIRECT INVESTMENT IN NIGERIA

The study investigated the impact of exchange rates and foreign direct investment (FDI) in Nigeria from 1986 to 2020. To achieve this onerous task, th......

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Eyo Eyo, Ewa Eke,

PEOPLE-FOCUSED, RESULT-ORIENTED ORGANIZATION AND STAFF PRODUCTIVITY IN NIGERIAN DEPOSIT MONEY BANKS

The study examines the impact of people-focused and result-oriented culture on staff productivity in deposit money banks in Cross River State, Nigeria......

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Peter Damian Chukwu, Kelechukwu Ozor, Ekwere Enang,

MACRO-ECONOMIC DETERMINANTS AND FOREIGN DIRECT INVESTMENT IN NIGERIA

This study examines the impact of key macroeconomic factors on foreign direct investment (FDI) inflows into Nigeria, spanning the period 1986-2020. Us......

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Amenawo Offiong, Efanga Okon, Peter Chukwu, Ekwere Enang,

FINANCIAL TECHNOLOGY AND AGRIBUSINESS DEVELOPMENT IN NIGERIA

This study examines the influence of financial technology on the development of agribusiness in Nigeria between 2001 and 2020. Using a retrospective d......

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Fidelis Anake Atseye

FINANCIAL SYSTEM EFFICIENCY, MONEY SUPPLY VELOCITY AND DOMESTIC INVESTMENT IN NIGERIA

Theoretical predictions indicate a bio-directional nexus between financial system efficiency and real economic growth with implications for the value ......

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Monica Lebo , Charles Effiong, Vivian Mbaze-Ebock, Ene Ene-Ita, Oboko Atimba,

STAFF RECOGNITION AND LECTURERS’ ACADEMIC PERFORMANCE IN SELECTED TERTIARY INSTITUTIONS IN NIGERIA

The objective of this study was to investigate staff recognition and lecturers’ academic performance in selected tertiary institutions in Nigeria. T......

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Hodo B. Riman, Josephine Bisong,

STATE FRAGILITY AND MACROECONOMIC OUTCOME: A COMPARATIVE ASSESSMENT OF WAMZ COUNTRIES

Countries all around the world are experiencing different forms and measures of fragility. The fragility of states could arise from institutional weak......

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John Ugah, Augustine Eba, Timothy Aiyepeku,

HEALTH CARE FINANCING AND ECONOMIC GROWTH: NIGERIAN PERSPECTIVE

The thrust of the study is to examine the effect of health care investments and financing on economic wellbeing. To achieve this, the researchers anal......

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Tarila Boloupremo, Ayekurobotaregha Eddy Umbe,

COMPARATIVE EFFECTIVENESS OF MONETARY AND FISCAL STRATEGY ON OUTPUT IN NIGERIA

The primary objective of this research is to meticulously assess the comparative effectiveness of monetary and fiscal strategy on economic output in N......

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Anthony Ogar, Godwin Bassey James , Christiana Odibu,

SHADOW ECONOMY AND THE GROWTH OF THE NIGERIAN ECONOMY: THE CONTROLLING EFFECTS OF GOVERNMENT AND CORRUPTION

This study examined the effect of shadow economy on the growth of the Nigerian economy. The specific objectives were to; evaluate the effect of MIMIC ......

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Eyo Eyo

BANK DEPOSIT MOBILIZATION AND ECONOMIC GROWTH IN NIGERIA

This article empirically analyzed how bank deposit mobilization affected Nigeria's economic growth from 1986 to 2020. The purpose of this study was to......

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Frederick Bassey, Vivian Mbaze-Ebock, Hodo Eko,

TRAVEL MOTIVATION AND DESTINATION CHOICE OF CROSS RIVER STATE, NIGERIA

This study examined the effect of travel motivations on destination choice of Cross River State, Nigeria. In particular, the study examined the effect......

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Enya Emori, Augustine Eba, Suleiman Lawal,

PUBLIC RECURRENT EXPENDITURE AND ECONOMIC GROWTH IN NIGERIA (AN ECONOMETRIC APPROACH)

This study looked at Nigeria's recurring state spending for economic expansion. On the other hand, the study looked into how Nigeria's economic growth......

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Tamaroukro Ekokeme, Carl Seiyaibo,

BANKING, SHAREHOLDERS’ EQUITY RETURNS AND CORRUPTION PERCEPTION IN NIGERIA

The research examined how CPI affects the return on equity of the shareholders of DMBs in Nigeria from 1996 to 2022 using the Error Correction techniq......

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Fidelis Anake Atseye

PRICE OF FUNDS AND GROSS PRIVATE DOMESTIC INVESTMENT: EVIDENCE FROM NIGERIA

The paper provided empirical evidence of price of funds in the financial market and domestic investment in Nigeria for the period 1986-2021. Time seri......

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Habila Abel Haruna, Suleiman Gbenga Lawal,

MACROECONOMIC FACTORS AND STOCK MARKET PERFORMANCE IN NIGERIA: EMPIRICAL EVALUATIONS

The Nigerian stock exchange is a vital component of the nation’s economy, providing a means of wealth creation, capital mobilization, and economic g......

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Tarila Boulopremo, Ayekurobotaregha Eddy Umbe,

BUSINESS RESTRUCTURING AND ITS IMPACT ON THE FINANCIAL OUTCOMES OF MANUFACTURING COMPANIES IN NIGERIA

This study scrutinizes the effect of business restructuring on the financial performance of manufacturing companies in Nigeria. Specifically, it explo......

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Augustine Okpaje Eba, Alfed Anthony Kwanti, Suleiman Gbenga Lawal,

EFFECT OF ELECTRONIC BANKING SYSTEMS ON FINANCIAL PERFORMANCE OF COMMERCIAL BANKS IN NIGERIA

This research sets out to examine the relationship between electronic banking and the performance of deposit money banks (DMBs) in Nigeria using ex-po......

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Patrick Awok Mbum

ENERGY MARKETING DYNAMICS AND CONSUMER PERCEPTIONS OF ELECTRICITY SUPPLY PERFORMANCE IN NIGERIA

This study examines the dynamics of energy marketing and consumer perceptions of electricity supply performance in Nigeria, specifically focusing on C......

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Uzochukwu Akwarandu, Tamaroukro Ekokeme,

CEO COMPENSATION, CASHFLOW FROM OPERATING ACTIVITIES AND STOCK RETURNS IN NIGERIA

The objective of the study is to examine the effect of CEO compensation and cash flow from operating activities on stock returns among quoted banks in......

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Frederick Offiong Bassey, Vivian Arrey Mbaze-Ebock, Hodo Anna Eko,

STRATEGIC SAFETY AND SECURITY DECISIONS AND CONSUMER PATRONAGE OF HOTELS IN CROSS RIVER STATE

Safety and security are critical factors tourists consider when choosing a destination and selecting a hotel. The study investigates security and safe......

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Suleiman Gbenga Lawal, John Ugah,

MULTINATIONAL CORPORATION INVESTMENTS, MACROECONOMIC STABILITY AND DEVELOPMENT OF THE NIGERIAN (BOURSE) STOCK EXCHANGE

This study attempts to analyze the impacts multinational investments have on macroeconomic stability and the level of development in the Nigerian bour......

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Joseph Amaechi Anyadighibe

FACTORS INFLUENCING THE PATRONAGE OF INSURANCE COMPANIES

This research examined factors influencing the patronage of insurance companies in Calabar, Nigeria. Cross-sectional survey research design was adopte......

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Fidelis Anake Atseye

INFLATIONARY PRESSURE, EXCHANGE RATE VOLATILITY, AND ECONOMIC GROWTH IN NIGERIA

The study examined the inter-relationship between inflation, exchange rate volatility, and economic growth in Nigeria (1990-2023). The ex post facto r......

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Oki Isiya Torutein, Emmanuel Sebastien Akpan,

FINANCIAL INTERMEDIATION AND ECONOMIC GROWTH IN NIGERIA

This study examined the relationship between financial inclusion and economic growth in Nigeria from 2004Q1 to 2022Q4. Specifically, the study evaluat......

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Maurice Sunday Ezekiel, Joseph Amaechi Anyadighibe, Joy Samuel Akpan,

PERSONAL SELLING AND CUSTOMER LOYALTY TO AIRTEL NIG. LIMITED, CALABAR

This study on personal selling and customer loyalty to Airtel Nig. Limited, Calabar focused on determining the significant effect of personal selling ......

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Eyo Itam Eyo, Monica Ukongim Akeh,

CORPORATE GOVERNANCE MECHANISMS AND SHARE PRICES OF QUOTED COMMERCIAL BANKS IN NIGERIA

This study investigates the impact of corporate governance mechanisms on the share prices of quoted commercial banks in Nigeria, focusing on the roles......

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Maurice Sunday Ezekiel, Joseph Amaechi Anyadighibe, Joy Samuel Akpan,

FACTORS AFFECTING ADOPTION OF FASHION AMONG FEMALE UNDERGRADUATES IN UNIVERSITY OF CALABAR

The research focused on factors affecting fashion adoption among female undergraduates at the University of Calabar. The study aims to determine the e......

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Itojong Anthony Ayamba, Amos William Obeten, Inna Frank Ogbise,

UNION POWER AND ACADEMIC WELFARE: THE ASUU-UNICAL EXPERIENCE

This study critically examines the influence of the Academic Staff Union of Universities (ASUU) on academic welfare and professional development withi......

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John Ime John, Akaninyene Billy Orok, Edom Onyam Edom, Aniekpeno Essien,

DEBT OVERHANG AND DUAL GAP PERSPECTIVE ON HUMAN DEVELOPMENT IN WEST AFRICA: INSIGHTS FROM THE GHANAIAN AND NIGERIAN ECONOMIES

This study focused on the influence of debt overhang and dual gap theory on human development in West Africa. To enhance its efficacy and promote huma......

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Enya Gabriel Emori, Ije Ubana Ubi, Stephen Ekpo Nkamare, Ebong Iniobong Ephraim, George Ndifon Abang,

CORPORATE RE-ENGINEERING AND PERFORMANCE OF MICROFINANCE BANKS IN CROSS RIVER STATE, NIGERIA

The study empirically examined corporate reengineering and the performance of microfinance banks in Cross River State. The specific objectives were to......

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Samson Ogege, Isaac Azubuike Ogbuji, Onwuemele Sunday Emeke,

FINANCIAL INCLUSION INITIATIVES BRIDGING THE GAP OF THE UNBANKED POPULATION IN NIGERIA

The economic goals of reducing poverty and income disparities are confronted with obstacles, particularly in developing nations. Electronic banking se......

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Eyo Itam Eyo, Monica Ukongim Akeh, Aliyu Rilwanu Saad,

EXCHANGE RATE VARIABILITY AND MANUFACTURING SECTOR PERFORMANCE IN NIGERIA

This study empirically examines the effect of exchange rate variability on the performance of the manufacturing sector in Nigeria from 1987 to 2021, u......

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Onwuemele Sunday Emeke, Samson Ogege,

THE ROLE OF FINANCIAL TECHNOLOGY (FINTECH) IN ADAPTING TO ECONOMIC VOLATILITY: A FOCUS ON NIGERIA

The digital age has resulted in a transformative shift in the financial industry, enabling financial institutions to reach previously "unbanked" consu......

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Maurice Sunday Ezekiel, Joseph Amaechi Anyadighibe, Joy Samuel Akpan, Patience Asuquo Ekpo,

CULTURAL FACTORS AND CONSUMER BUYING BEHAVIOUR OF MALE CLOTHES IN CALABAR, CROSS RIVER STATE. NIGERIA

This study explored how cultural influences impact consumer purchasing decisions regarding men’s apparel in Calabar. Culture is fluid and evolves al......

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Enya Gabriel Emori, Ije Ubana Ubi, Ebong Iniobong Ephraim, Edim Inok Edim, George Ndifon Abang,

ENTREPRENEURSHIP EDUCATION AND STUDENTS' INTENTION: A THEORETICAL REVIEW

The study aimed to examine entrepreneurship education\'s effect on students\' intentions at the University of Calabar, Nigeria. The objectives were to......

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Fidelis Anake Atseye , John Ugah,

ENERGY COST AND PROFITABILITY OF NIGERIAN QUOTED MANUFACTURING FIRMS

The study examined the impact of energy costs on the profitability of quoted manufacturing firms in Nigeria from 1990 to 2023. Specifically, it analyz......

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Vivian Arrey Mbaze-Ebock, Bassey Esu Bassey, Joy Samuel Akpan, Patience Asuquo Ekpo, Stephen Ekpo Nkamare, Bernard Samuel Eventus,

MEDIATING ROLE OF EVENT EXPERIENCE ON EVENT DESIGN AND ATTENDEES' SATISFACTION

The purpose of the study was to examine event design and attendees’ satisfaction in Cross River State, assessing the mediating role of event experie......

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Edom Onyam Edom, John Ime John, Josephine Edem Nsoja ,

FISCAL DOMINANCE AND EXCHANGE RATE STABILITY IN NIGERIA

Utilizing the Ordinary Least Squares regression technique, the study examined how Nigeria\'s fiscal dominance and exchange rate stability interacted. ......

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Oki Isiya Torutein , Benson Emmanuel,

INFLUENCE OF SAVINGS MOBILIZATION IN NIGERIA

This study examined the influence of savings mobilization in Nigeria from 1990 to 2022. The objectives were to analyze the impact of household income,......

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Tarila Boloupremo

EXAMINING THE ROLE OF FINANCIAL TECHNOLOGY IN ALLEVIATING POVERTY: EMPIRICAL EVIDENCE FROM NIGERIA

Poverty remains a persistent global challenge, with significant implications for health, living standards, and economic stability. In Nigeria, over 4......

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Akaninyene Billy Orok, John Ime John, Itoro Moses Ikoh, Timiepere Cornelius Ogaga, AfomaJesus Marvelous Orok,

INFLUENCE OF MONETARY POLICY VARIABLES ON MANUFACTURING FIRMS: AN EMPIRICAL ANALYSIS OF NIGERIAN MANUFACTURING FIRMS

This study examined monetary policy variables and their impact on the performance of selected manufacturing firms in Nigeria. The objectives were to e......

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Augustine Okpaje Eba, Akaninyene Billy Orok, Ugah John,

FOREIGN DIRECT INVESTMENT AND ECONOMIC GROWTH IN NIGERIA: AN ECM APPROACH

The study examined the impact of foreign direct investments (FDI) on economic growth, using annual data collected from CBN statistical bulletins over ......

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Edom Onyam Edom, John Ime John, Akaniyene Billy Orok, Divine Brayie Sunday,

HEALTH FINANCING AND HUMAH DEVELOPMENT IN SUB SAHARAN AFRICA: THE NIGERIAN EXPERIENCE

This study examines how Nigeria's economic growth is influenced by health financing. Its goals were to determine the effect of government recurrent sp......

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Augustine Okpaje Eba, Timipere Cornellius Ogaga,

MONETARY POLICY AND GROWTH OF MANUFACTURING SECTOR: EVIDENCE FROM NIGERIA

This study empirically examines the impact of monetary policy on manufacturing sector growth in Nigeria using secondary data from the Central Bank of......

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John Ime John, Akaninyene Billy Orok, Mercy Unung, AfomaJesus Marvelous Orok,

EMPIRICAL ASSESSMENT OF PENSION SCHEME AND ECONOMIC DEVELOPMENT IN NIGERIA

Considering that the Pension Commission is an arena that provides some services that strengthen economic growth, the investigation analyzed the causal......

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Akaninyene Billy Orok , John Ime John, Timiepere Cornelius Ogaga, Emmanuel Chukwuebuka Ezenwa, AfomaJesus Marvelous Orok,

ANALYZING THE ROLE OF MONEY MARKET INSTRUMENTS IN SHAPING NIGERIA'S ECONOMIC DEVELOPMENT

This empirical work was conducted to determine the extent to which the money market influences the development of the Nigerian economy, covering the p......

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Akaninyene Billy Orok , Augustine Okpaje Eba, Stephen Ekpo Nkamare, Itoro Ikoh Moses,

DO LIQUIDITY MANAGEMENT DYNAMICS TRANSLATE TO EFFICIENCY OF THE NIGERIAN BANK? A DATA ENVELOPMENT ANALYSIS APPROACH

Short-term financial health is essential for any business to stay stable, face economic challenges, and pursue growth opportunities. This study examin......

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John Ime John, Edom Onyam Edom, Akaninyene Billy Orok, Funyi Anthony Eyo ,

DEPOSIT MONEY BANKS’ PERFORMANCE: DOES VIRTUAL AND DIGITAL BANKING MATTER?

This study focused on evaluating the impact of digital and virtual banking on the operations of Nigerian deposit money banks. It used a retrospective ......

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Onwuemele Sunday Emeke , Babatunde O. Oke,

NAVIGATING NEW THREATS IN NIGERIAN BANKS: A CRITICAL CASE STUDY OF RISK MANAGEMENT PRACTICES IN UNITED BANK FOR AFRICA PLC

The Nigerian banking sector operates within a dynamic risk landscape shaped by rapid technological advancements, economic instability, and evolving re......

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Ije Ubana Ubi, Hope Ukam Edodi, Oboko I. Atimba, Bernard Samuel Eventus,

ADMINISTRATIVE INNOVATION AND CONTEMPORARY ISSUES IN TERTIARY EDUCATION INSTITUTIONS IN NIGERIA. A THEORETICAL REVIEW

The paper examines administrative innovation and challenges in Nigerian higher education. It highlights issues such as workforce shortages, limited IC......

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Augustine Okpaje Eba, Iniobong Ephraim Ebong, Charles Chike Emefiele, Edim Inok Edim,

FINANCIAL TECHNOLOGY AND USERS’ SATISFACTION

The purpose of this study was to examine financial technology and users’ satisfaction with selected Deposit Money Banks in Cross River State. Speci......

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Charles Effiong, Juliana Baby Akaegbu, Oboko I. Atimba, Nkamare Stephen Ekpo,

STRATEGIC ALLIANCES AND PERFORMANCE OF COMMERCIAL BANKS IN CROSS RIVER STATE: A CONCEPTUAL REVIEW

The purpose of the study was to examine the strategy alliances and performance of selected commercial banks in Cross River State. The specific objecti......

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Charles Effiong, Juliana Baby Akaegbu, Oboko I. Atimba, Eze Prince Obiora,

CHANGE MANAGEMENT AND ORGANISATIONAL PERFORMANCE: AN ECONOMETRIC APPROACH

The study focused on change management and organizational performance of selected banks in Cross River, Nigeria. The specific objectives were to exami......

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Ije Ubana Ubi, Hope Ukam Edodi, Oboko I. Atimba, Bernard Samuel Eventus,

SELF-MANAGEMENT CULTURE IN MANAGING CONTEMPORARY ORGANIZATIONS

Most organizations' success relies heavily on their culture, policies, and work environment tailored for employees. This paper examines the concept of......

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Fidelis Anake Atseye, John Ugah,

GAS PRICE VOLATILITY, INFLATIONARY PRESSURE, AND ECONOMIC GROWTH IN NIGERIA

The study examined how gas price volatility and inflationary pressure impact economic growth in Nigeria from 2000 to 2023. Specifically, it investigat......

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Hyeladi Stanley Dibal , Usman Mohammed Hashim, Irom Ishaku Agabi,

MONEY SUPPLY AND CAPITAL MARKET DEVELOPMENT IN NIGERIA: THE MODERATING ROLE OF MONETARY POLICY RATE

The capital market offers diverse and abundant opportunities for individuals, institutional investors, the government, and the economy, serving as a p......

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Ewa Bassey Eke

ORGANISATIONAL ECOSYSTEMS AND EMPLOYEE DEVELOPMENT IN AKWA IBOM STATE INTERNAL REVENUE SERVICE (AKIRS)

This study explored how organizational ecosystems impact employee development within the Akwa Ibom State Internal Revenue Service (AKIRS), focusing sp......

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Okoi Eno Nwoyi, Fala Raisa Claire Ndum, Nkongho Martha Otang, Stephen Ekpo Nkamare,

AN EMPIRICAL ANALYSIS OF RESTRUCTURING ON THE PERFORMANCE OFPRIVATE SECONDARY SCHOOLS IN NIGERIA

The purpose of the study was to examine the restructuring and performance of private secondary schools in Nigeria, with a focus on selected schools in......

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Utibe Oliver Bassey, Monica Nke Akung,

EFFECT OF E-COMMERCE TRANSACTION ON TAX REVENUE IN NIGERIA

The study investigated how e-commerce transactions influence tax revenue in Nigeria. It mainly relied on secondary data from the CBN Bulletin and util......

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Akanbi Bello Muhammed, Abdulmajeed Tajudeen Idera, Atumoshi Adamu Yusuf, Akanbi Aisha Olamide,

Cybersecurity Threat Intelligence Framework for Financial Institutions in Nigeria: Leveraging Machine Learning and Data Analytics

The rapid digitisation of financial services in Nigeria has substantially expanded the cyberattack surface confronting commercial banks, fintech opera......

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Israel Odion Ebiosetale Idewele, Ph.D., Ama Ibiam Obasi, Ph.D, Ikwuo Ama Kalu, Ph.D.,

An Asymmetrical Approach to Exchange Rates, Inflation Uncertainty, and Savings in Nigeria

This study uses the Nonlinear Autoregressive Distributed Lag (NARDL) model to examine the asymmetric effects of inflation uncertainty and exchange rat......

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Edodi, Hope Ukam (Ph.D), Akaegbu, Juliana Baby (Ph.D), Uwah, Inemesit Enobong (Ph.D), Okon, Emmanuel Ekpenyong (Ph.D), Ogar, Godwin Wonah,

Cybersecurity Practices and Customer Trust in Digital Banking Platforms in Nigeria: A Comparative Study of Nigerian Fintech firms and Nigerian Conventional Banks

This study examined the influence of cybersecurity practices on customer trust in digital banking platforms in Nigeria, adopting a comparative approac......

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Edodi, Hope Ukam (Ph.D), Uwah, Inemesit Enobong (Ph.D), Akaegbu, Juliana Baby (Ph.D), Okon, Emmanuel Ekpenyong (Ph.D), Ogar, Godwin Wonah, Etta, Patricia Omini,

The Effect of Financial Technology (Fintech) Adoption on Customer Service Delivery: A Study of OPay Digital Services, Nigeria

This study examines the effect of financial technology (fintech) adoption on customer service delivery, with a specific focus on OPay Digital Services......

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Ayamba, Itojong Anthony, Njoku, Benedict Nnamdi, Abue, Regina Elejie, Bisong, Elisha Busa,

Can Agricultural Financing Enhance Food Security? Evidence from Cross River State Rice Programme (2015-2023)

Agricultural financing has become an indispensable component of agricultural development and food security, particularly in developing countries where......

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Tarila Boloupremo, Dr. Umbe, Ayekurobotaregha Eddy, FCNA, Dr. Tamaroukro Timipere Ekokeme,

Digital Accounting Systems and Financial Reporting in Nigeria: A Study of Emerging Technologies

Digital accounting systems have emerged as transformative tools for improving financial reporting quality in Nigeria, Africa's largest economy. Despit......

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Onwuemele Sunday Emeke, Isaac. Azubuike Ogbuji (Ph.D.),

A Critical Analysis of Small and Medium Enterprise Financing and its Impact on Growth and Sustainable Development in Nigeria

The study considers a critical analysis of small and medium enterprise finance and its impact on growth and sustainable development in Nigeria over th......

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Anwanauyi Henry Ibok

Customer Experience as a Predictor of Financial Behaviour: A Qualitative Exploration of How Digital Customer Journeys Influence Borrowing, Repayment, and Financial Discipline in Nigeria

The rapid digitisation of financial services has transformed how consumers interact with financial institutions, influencing their borrowing patterns,......

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Tamaroukro Timipere Ekokeme, Akwarandu Uzochukwu,

Digital Technology and the Nigerian Banking System

This study investigates the perceived transformative potential of blockchain technology among Nigerian financial professionals. A descriptive survey r......

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John, John Ime, Orok, Akaniyene Billy, Odogwu, Helen Ede, Mgbado, Michael Ujor, Essien, Aniekpeno,

FINTECH DISRUPTION AND BANKING STABILITY IN NIGERIA

The study examines the relationship between fintech disruption and banking stability in Nigeria using an Autoregressive Distributed Lag (ARDL) model o......

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John, John Ime, Blessing Stephen, Etim, David Dominic, Nelson, Ndifreke Sunday, Solomon Bridge, Effiong, Eno Raymond,

Mobile Banking Adoption and Financial Deepening in Nigeria

This study investigates the relationship between mobile banking adoption and financial deepening in Nigeria, focusing on how digital financial innovat......

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Kirian James Jacob, Dr. Christiana Okon Umoren,

FINANCIAL DIGITAL LITERACY AND PROFITABILITY OF SMALL-SCALE ENTERPRISES IN PUBLIC TERTIARY INSTITUTIONS IN CROSS RIVER STATE, NIGERIA

The study investigated the relationship between financial digital literacy and profitability of small- scale enterprises in public tertiary institutio......

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Emmanuel Ikpe Michael, Akpabio, Uduak Joseph, Effiong, Eno Raymond,

Bank Consolidation and Economic Performance in Nigeria's Economy

This study investigates the impact of banking consolidation on the performance of Nigeria’s economy over the period 2000–2025. Specifically, it ex......

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Charles Effiong, Michael Michael Nkanta, Atimba, Oboko I.,

Emotional Intelligence and Leadership Effectiveness in Deposit Money Banks in Cross River State

The purpose of the study was to examine emotional intelligence and leadership effectiveness. The specific objectives were to: examine the impact of se......

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Anthony Ekpoudo, Aniashi Esther Ogiji,

Regulation of Blockchain Financing in Nigeria: The Need for a Definitive Framework

In the era of blockchain technology, Nigeria has emerged as a forerunner in its application, driven by a burgeoning population of young people and a v......

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Michael Nkanta Nkanta, Eseme, Kufre Udeme, Bernard, Samuel Eventus,

Emotional Intelligence and Customers' Satisfaction of Deposit Money Banks in Nigeria

The study examined emotional intelligence and customers’ satisfaction with deposit money banks in Nigeria. The specific objectives were to determine......

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Monica Ukongim Akeh, Aliyu Rilwanu Sa’ad,

Global Financial Cycle and Sovereign Bond Yield Dynamics in Frontier Markets: Evidence from Nigeria (2010-2024)

As financial globalization deepens, frontier economies have become increasingly exposed to external shocks driven by global risk sentiment and liquidi......

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Chidinma Blessing Onyemaizu

Digital Financial Innovation on Economic Growth in Nigeria

The study empirically examined the effect of digital financial innovation on the financial performance of banks in Nigeria. The specific objectives we......

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Eze Kingsley Obinna, AfomaJesus Marvelous Orok, Akaninyene Billy Orok (Ph.D.), Kufre Udeme Eseme,

The Dynamic Relationship between Bank Credit and Private Sector Development in Nigeria

This study examined the dynamic relationship between bank credit and private sector development in Nigeria, with emphasis on the effect of sectoral cr......

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Onofiok A. Luke (Ph.D.)

Financial Law Reforms for Economic Resilience in Africa: Lessons from Nigeria's Regulatory Experience

Africa's largest economy, Nigeria, presents a compelling case study for examining how financial legal frameworks can either accelerate or constrain ec......

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Eyo Itam Eyo, Amenawo I. Offiong,

International Trade Finance and Emerging Market Economies - An Investigation into Nigeria

This study investigates the impact of international trade finance on emerging market economies, with a focus on Nigeria. The specific objectives of th......

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Catherine Matthew Joseph, Catherine E. Ogbang, Glory Sunday Etim Ph.D,

Content Marketing and Patronage of Financial Services: A Position Paper

This paper advances a position on whether content marketing enhances the patronage of financial services in an increasingly digital and information-in......

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Otu, Uduakobong Effiong, Ph.D, Markson, Ubong Etiese, Glory Sunday Etim, Ph.D, Ita, Okokon Ita,

Digital Transformation Strategies and Organizational Resilience in African financial institutions: A systematic literature review

The rapid pace of digitalization has significantly transformed the operational and competitive environment of financial institutions across Africa, cr......

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Nyong Blessing Stephenn, Dr. Victoria Utitofon Inuaeshiet,

Financial Technology and Customer Satisfaction: A Study of Selected Banks in Cross River State

The study examined financial technology and customers’ satisfaction in selected banks in Calabar, Cross River State. Specifically, the study examine......

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ral Households, in Nigeria:,

Barriers to Financial Inclusion among Rural Households and in Nigeria: Evidence from Cross River State

This study examined barriers to financial inclusion among rural households in Nigeria, drawing on evidence from Cross River State. Despite policy init......

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Agricultural

Agricultural Credit Guarantee Scheme Fund and Agricultural Productivity in Nigeria

The study examined the effects of the Agricultural Credit Guarantee Scheme Fund on agricultural productivity in Nigeria. The specific objective was to......

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Cybersecurity, Fraud Prevention in African Digital Banking Systems,

The Role of Artificial Intelligence and Blockchain in Enhancing Cybersecurity and Fraud Prevention in African Digital Banking Systems

The rapid growth of digital banking across Africa has significantly improved financial inclusion. However, it has also exposed the sector to escalatin......

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Financing, Government Effectiveness in Nigeria (1996-2024),

Governance Sustainability: A Descriptive Analysis of Governance Financing and Government Effectiveness in Nigeria (1996-2024)

Governance financing can be defined as the amount of revenue expended by government on governance of a particular country; which basically relates to ......

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James, Godwin Bassey (Ph.D.)1 & Okafor, BlessingChinyere,

Electronic Payment Systems and Financial Stability of Deposit Money Banks in Nigeria: A Channel-Specific Analysis

This study examined the effect of electronic payment systems (EPS) on the stability of deposit money banks (DMBs) in Nigeria from 2014 to 2025 using b......

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James, Godwin Bassey (Ph.D.)1 & Matthew, Doris Jane, Cho, Kingsley Ade2 & Tchatchouang,

Enhancing Financial Inclusion in Nigeria: The Role of Digital Banking Platform

This study examined the effect of digital banking platforms on financial inclusion in Nigeria, with a specific focus on the contribution of mobile mon......

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Ugah John, Chinasa Aguneche, Okafor Blessing Chinyere,

Cyber-Risk and Digital Governance and Foreign Direct Investment in Nigeria

The paper investigated the longitudinal impact of multifaceted cyber-threats on Foreign Direct Investment (FDI) inflows in Nigeria (2015–2024). The ......

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Eba Austine Okpaje, Ugah John, Ojuma Dorcas Amaka,

Digital Financial Inclusion and Poverty Reduction: A Longitudinal Analysis of the Mediating Effect of Financial Literacy

The study investigated the impact of digital financial inclusion (DFI) on poverty reduction in Nigeria, disaggregating DFI into three distinct dimensi......

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WAGE ADJUSTMENT PRACTICES, WORKERS’ REAL INCOME,

WAGE ADJUSTMENT PRACTICES AND WORKERS' REAL INCOME EXPERIENCES: EVIDENCE FROM MANUFACTURING FIRMS IN SOUTH-SOUTH NIGERIA

Persistent inflation and the rising cost of living in Nigeria have significantly weakened workers’ purchasing power, particularly within the manufac......

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GDP Growth in

Government Expenditure on Digital Economy and GDP Growth in Nigeria

The study examines government expenditure on digital economy and GDP growth in Nigeria. The specific objectives were to: examine the effect of governm......

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Andortan, Solomon Andortan, Oboh, John Ogenyi,

Effect of Artificial Intelligence on Cybercrime Rate in the Nigeria Banking Sector

This study investigates the effect of artificial intelligence on cybercrime rate in the Nigerian banking sector. Specifically, the study examines the ......

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Emori Enya Gabriel, Emmanuel Ekpenyong Okon, Nkamare, Stephen Ekpo,

Effect of Financial Development on Economic Growth in Nigeria

This study examined the effect of financial development on economic growth in Nigeria from 1990 to 2024. The study generated the effect of financial d......

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ce of Commercial Banks

Business Ethical Practices and Performance of Commercial Banks, South-South Nigeria

This study examined the business ethical practices and performance of commercial banks in south- south, Nigeria; with particular focus on transparency......

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Anthony Ogar, Ogar, Emerald Ajija,

Financial Inclusion and Poverty Reduction in Nigeria

Financial inclusion has been widely promoted as a strategy for poverty reduction in developing economies, yet empirical evidence on its effectiveness ......

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Anthony Ogar, Eja Basil Richard,

Effects of Mobile Money and Virtual Banking on the Financial Performance of Deposit Money Banks in Nigeria

Nigeria’s banking sector has undergone rapid digital transformation driven by mobile money services and virtual banking channels. This study examine......

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Abdullahi Bashir, Ojuma Dorcas Amaka, Chinasa Aguneche, Okafor Blessing Chinyere,

Political Risk and Foreign Direct Investment in Nigeria

The study broadly seeks to investigate the impact of political risks, specifically corruption and government effectiveness, along with Gross Domestic ......

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Role of Fintech, Digital Innovation,

Resilient Financial Systems for Economic Transformation in Africa: The Role of Fintech and Digital Innovation

This study investigates the role of financial technology (FinTech) in strengthening resilient financial systems and promoting economic transformation ......

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Edom, Edom Onyam, Mboto, Helen Walter, Ibi, Esor Egbe, Okongo Nsor John,

Exchange Rate Volatility and Economic Growth in Nigeria

The study investigated the impact of exchange rate volatility on economic growth in Nigeria, utilizing annual time-series data spanning 27 observation......

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Ejiro Marvellous Dolor¹, Emmanuel S. Akpan, Ph.D,

Fintech Revolution and Banking Sector Stability in Nigeria

The financial technology (FinTech) revolution has significantly reshaped the structure, operations, and stability of financial systems, particularly t......

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mance of Small, Medium-,

Venture Capital Financing and the performance of Small and Medium-Scale Enterprises in Nigeria: Empirical Evidence from Cross River State

This study examined the impact of venture capital financing on the performance of small and medium-sized enterprises (SMEs) in Nigeria, with a focus o......

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Dr. Stephen Ekpo Nkamare, Dr. James Otiwa, Atimba, Oboko I3 & Esther Egrinya Obule,

Agent Banking and Financial Inclusion in Calabar Metropolis

The study investigated the effect of agent banking services on financial inclusion in Nigeria. A study of Calabar metropolis. Specifically, the study ......

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Alex Ambore Bruce, Frank Ambore Bruce,

Determination of Dividend Relevance among Investors in the Nigerian Stock Investment Space: A Test of the Dividend Theories

This paper investigates the relevance of dividend policy among retail investors in the Nigerian stock market, revisiting classical dividend theories s......

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Effiong A. Okon, Dr Stephen.Nkamare, and Dr Akaninyene B. Orok,

Influence of Cryptocurrency Adoption on National Monetary Policy Effectiveness

The rapid growth of digital financial technologies has transformed the global financial landscape. Among these innovations, cryptocurrencies have emer......

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Agnes Edem Bassey (Ph. D.), Patrick Awok Mbum (Ph.D.), Prof. Benedict. Ejikeme,

Marketing Communication and Financial Education: A Tool for Poverty Alleviation in Nigeria

The disconnect between marketing communication and finance is a matter of concern in the 21st century, especially given the intense economic pressure ......

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Regulation, Risk, and the Path Forward,

Legal Implications of Fintech and Digital Services in Nigeria: Regulation, Risk, and the Path Forward

Nigeria’s fintech ecosystem has expanded rapidly over the last decade, driven by high mobile penetration, a young population, and persistent gaps in......

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eries in Calabar, Cross River,

Leadership Styles and Performance of Eateries in Calabar, Cross River State

This study examined leadership styles and performance of eateries in Calabar, Cross River State, Nigeria. The study focused on different leadership st......

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Evidence from Calabar Metropolis, Cross River State,

Artificial Intelligence and Fraud Detection Efficiency in Commercial Banks in Nigeria: Evidence from Calabar Metropolis, Cross River State

This study investigated the effect of Artificial Intelligence (AI) on the efficiency of fraud detection in commercial banks in Nigeria, focusing on th......

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and Challenges

Artificial Intelligence and Machine Learning: A Review of Literature and Challenges

Artificial Intelligence (AI) refers to the development and programming of computer systems and machines capable of simulating human reasoning, decisio......

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Anwan, Ikor Godwin, Orok, Akaninyene Billy,

Shadow Finance and Small and Medium Scale Enterprises in Cross River State

The study investigated the impact of shadow finance on small and medium-scale enterprises in Cross River State. The specific objectives included exami......

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Firms in Cross River State, Nigeria,

The Effect of Employee Compensation and Performance of Agricultural Firms in Cross River State, Nigeria

Ineffective and poorly designed employee compensation can have adverse consequences for both employees and organizational performance. The study exami......

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among Senior Secondary School Students in Cross River State, Nigeria,

Household Education Financing and Human Capital Development among Senior Secondary School Students in Cross River State, Nigeria

This study examined household education financing and human capital development among senior secondary school students in Cross River State, Nigeria. ......

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Postgraduate Student, Department of Banking, Finance, University of Calabar, Calabar,

Donor Dependency and Fiscal Sustainability of Public Health Programs in Nigeria

Public health programmes in Nigeria face growing threats to fiscal sustainability due to prolonged dependence on external donor financing. This study ......

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River State, Nigeria,

Mobile Banking Attributes and Rural Dwellers' Satisfaction in Cross River State, Nigeria

The study examined the effect of mobile banking attributes on rural dwellers’ satisfaction in Cross River State, Nigeria. It specifically sought to ......

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Lebo, Monica Peter, Mary Akpan Udeme, Nwangwu, Okwudiri Iheanyi, Effiong Grace Denis,

EFFECT OF EMPLOYEE RELATIONS ON EMPLOYEE PERFORMANCE. A STUDY OF PROCESSING FIRMS IN CROSS RIVER STATE

The study examined the effect of employee relations on employee performance. Three (3) objectives were formulated for the study. The data for this stu......

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AND MEDIUM ENTERPRISES (SMEs) IN CROSS RIVER STATE

ORGANIZATIONAL DESIGN AND PERFORMANCE OF SMALL AND MEDIUM ENTERPRISES (SMEs) IN CROSS RIVER STATE, NIGERIA

This study examined organizational design and performance of Small and Medium Enterprise (SMEs) in Cross River State, Nigeria. To achieve the purpose ......

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Niger Mills Company Limited, Calabar,

Effect of Ethical Leadership on the Financial System Transformation of Niger Mills Company Limited, Calabar

The financial system transformation is marred by a lack of ethical leadership initiatives that could contribute to firm competitiveness. This study ex......

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Selected Banking Firms, Calabar, Cross River State, Nigeria,

Effect of Strategic Management on Organizational Resilience in Selected Banking Firms, Calabar, Cross River State, Nigeria

A cross-sectional survey on the effect of strategic management on organizational resilience will examine how proactive risk management, environmental ......

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Dr. Olubomi Osho-Itsueli, Dr. Tosan Jakpa,

Strategic Investment in Education: Implications for Human Capital Formation in Nigeria

This study examines the implications of strategic investment in education for human capital formation in Nigeria, with complementary attention to heal......

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Lagos, Abuja, and Port Harcourt,

The Effect of Pension Fund Administration on Poverty Reduction Among Retirees in Lagos, Abuja, and Port Harcourt

This study examined the effect of pension fund administration on poverty reduction among retirees in Lagos, Abuja, and Port Harcourt. The study specif......

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Okon, Emmanuel Ekpenyong, Ph.D., Ogar-Ikwen, Theresa Andorshiye, Ph.D., Emu,

School Fee Management Strategies and Students' Academic Performance in Public Secondary Schools in Cross River State

This study examined school fee management strategies and students’ academic performance in public secondary schools in Cross River State. Specifical......

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Okon, Emmanuel Ekpenyong, Ph.D., Emu Winifred Harry, Ph.D., Ogar-Ikwen, Theresa,

Strategic Funding Approaches and Research Productivity in Tertiary Institutions in Cross River State

This study examined strategic funding approaches and research productivity in tertiary institutions in Cross River State. Specifically, the study inve......

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Oyeyemi Akinola Ajiboye, Moses Sanjo Efunwole,

Assessment of E-Payment System Adoption in Southwestern Universities in Nigeria

This study examined the level of compliance with the e-payment system among universities in Southwestern Nigeria and determined the degree of adoption......

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Dr. Stephen Ekpo Nkamare, Dr. James Otiwa, Atimba, Oboko I, Esther Egrinya Obule,

EFFECT OF AGENT BANKING SERVICES ON FINANCIAL INCLUSION IN NIGERIA

The study investigated the effect of agent banking services on financial inclusion in Nigeria. A study of Calabar metropolis. Specifically, the study ......

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Atseye Fidelis Anake, Otei, Otei Asuquo, Azu, Silvanus Adingel,

Education Financing and Human Capital Development: Empirical Evidence from Nigeria

The study empirically examined the effect of education financing mechanisms on human capital development in Nigeria from 2000 to 2022. Using an ex pos......

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Effects on Financial

Artificial Intelligence, Machine Learning and Effects on Financial Services in Nigeria

The Nigerian financial services have, in the past and now, experienced tremendous vitality over time. A great deal of changes has been embraced in the......

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Technological Advancement, Corporate Fraud as Challenges,

Sustainable Forensic Accounting amidst Growing Sophisticated Technological Advancement and Corporate Fraud as Challenges

Forensic accounting plays a crucial role in preventing and detecting financial fraud, com-binding investigative skills with accounting expertise to un......

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TALENT MANAGEMENT, PATIENTS’ OUTCOME IN TERTIARY,

Talent Management And Patients' Outcome In Tertiary Healthcare Institutions In Niger Delta Region, Nigeria: A Conceptual Review

The purpose of the paper was to examine talent management and patients’ outcome in tertiary healthcare institutions located in the Niger Delta regio......

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